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Apple Card Savings listed a 3.50% APY as of September 23, 2026. That variable rate matches the 3.50% Marcus listed on October 7, 2026, and exceeds Ally’s 3.1% rate on that date. These are snapshots published on different days—not guaranteed rates or a ranking of the whole savings market.
How Apple Card Savings compares with other accounts
The figures below come from each provider’s published rate information and carry different effective or as-of dates. APYs can change, so check the provider’s current terms before opening or moving money.
| Account | Published APY | Date and conditions | Other points to compare |
|---|---|---|---|
| Apple Card Savings | 3.50% | As of September 23, 2026; variable and may change. | For eligible Apple Card owners and co-owners. No fees or minimum balance requirement; maximum balance limits apply. External-bank withdrawals typically take 1–3 business days. Apple Card Savings and Apple Support. |
| Marcus Online Savings Account | 3.50% | As of October 7, 2026; variable and may change. | No fees or minimum deposit. A separate 1.00 percentage-point APY boost is a three-month referral promotion subject to terms, not the standard APY. Marcus. |
| Ally Bank Savings Account | 3.1% | Correct as of October 7, 2026; variable. | No monthly maintenance fee. Ally Bank. |
| Apple Bank Simple Savings | 3.03% standard; 3.55% preferred | Rate page effective September 1, 2026. The preferred APY requires a linked Simple Checking account and five qualifying credit or debit transactions of at least $25 each in a month. | Apple Bank is a separate institution from Apple Card Savings. Apple Bank. |
What the rate gap means for your savings
Among these dated examples, Apple Card Savings is level with Marcus’s standard rate and above Ally’s listed rate. Apple Bank’s preferred rate is higher in the cited rate page, but it depends on meeting monthly activity requirements. This small selection does not establish which account has the best rate across the market.
As a simple illustration, a 0.40 percentage-point difference on a constant $10,000 balance would amount to about $40 over a year before tax, assuming both APYs stayed unchanged and interest compounded as specified by each account. That is not a forecast: variable rates can move, and balances and account conditions can differ.
#1 Best Overall
- Designed with both style and function in mind, the new iPhone FineWoven Wallet with MagSafe is the perfect way to keep your ID and credit cards close at hand.
- It supports Find My, so you can be notified of your wallet’s last known location if it gets separated from your phone.
- Made from durable micro-twill, the material has a smooth and seamless feel.
- The FineWoven material in this accessory is made from 100 per cent post-consumer recycled content and significantly reduces carbon emissions compared to leather.
- The wallet features strong built-in magnets that allow it to effortlessly snap into place on the back of your iPhone.
How Apple Card Savings works
Goldman Sachs Bank USA, Salt Lake City Branch, provides the deposit account and is a Member FDIC. Apple Payments Services LLC provides services for the account; Apple says, “Neither Apple Inc. nor Apple Payments Services LLC is a bank.” Apple Card account disclosures.
Eligible Apple Card owners and co-owners may apply individually. The service is available to qualifying U.S. applicants and requires Apple Card in Wallet on a supported iPhone or iPad running current iOS or iPadOS. After opening the account, future Daily Cash is deposited into Savings automatically unless the customer changes its destination. Deposits can also come from a linked external bank account or Apple Cash.
Rank #2
- Designed with both style and function in mind, the new iPhone FineWoven Wallet with MagSafe is the perfect way to keep your ID and credit cards close at hand.
- It supports Find My, so you can be notified of your wallet’s last known location if it gets separated from your phone.
- Made from durable micro-twill, the material has a smooth and seamless feel.
- The FineWoven material in this accessory is made from 100 per cent post-consumer recycled content and significantly reduces carbon emissions compared to leather.
- The wallet features strong built-in magnets that allow it to effortlessly snap into place on the back of your iPhone.
Apple says interest compounds daily and is credited monthly. The account has no fees or minimum balance requirement, but maximum balance limits apply. External-bank withdrawals typically take 1–3 business days. The available balance shown in Wallet can differ from the current balance while deposits or transactions are pending.
Quick Recap
Rank #4
- Ultra Thin & Lightweight: Compatible with Apple AirTag (1st & 2nd Generation). This AirTag wallet card holder is only 0.1 inches thick and weighs just 7.8g, making it slim and lightweight for everyday carry. Designed to securely hold your AirTag. Note: AirTag is not included.
- Design Inspiration：The design is inspired by water ripples, symbolizing unlimited opportunities and good luck.
- Safety and Practical:Just press the tag lightly into the Wallet Card Case, and tag can be easily be slided into the wallet like a credit card. It also keeps your wallet from getting a weird imprint, and your cards from getting bent around the Tag. All in all, you don't have to worry about it being deformed or broken easily during use.
- Hign Quality:Compatible with Airtag wallet case is made of high quality ABS+PC material, It will still not affect its receiving signal.
- Wide Use:Compatible with Airtag wallet holder can be used for wallets, handbags, Backpack，business card holders, ID bags, Clutch Bag, etc.
Rank #3
- Designed with both style and function in mind, the new iPhone FineWoven Wallet with MagSafe is the perfect way to keep your ID and credit cards close at hand.
- It supports Find My, so you can be notified of your wallet’s last known location if it gets separated from your phone.
- Made from durable micro-twill, the material has a smooth and seamless feel.
- The FineWoven material in this accessory is made from 100 per cent post-consumer recycled content and significantly reduces carbon emissions compared to leather.
- The wallet features strong built-in magnets that allow it to effortlessly snap into place on the back of your iPhone.
What to check before choosing an account
- Rate date and variability: Compare the APY’s effective or as-of date, and whether the provider says it can change.
- Promotions and conditions: Separate standard APY from temporary boosts and rates requiring specific account activity.
- Eligibility and access: Apple Card Savings is tied to eligible Apple Card ownership and Wallet access; consider whether that integration is useful to you.
- Minimums, fees and limits: Confirm opening and ongoing balance rules, fees, and any maximum balance limits.
- Transfers and account provider: Consider how quickly you can move money and which bank holds the deposit account.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
